If your favorite Lender or bank turns you down for a home loan, give us a call at (707) 523-2099. We have helped many a high-risk borrower with our creative financing programs, known as hard money. …Continue

Get a Home Loan even with Bad CreditEvery day people are turned down by their favorite banks, and lenders due to bad credit or other circumstances. These are often hard working individuals with good…Continue

“I was referred this loan from a colleague in my office. These people sold their home and were living in a hotel. They depended on me to get this done and because I knew you could and would do it, they now have a way to close escrow on their new home!Even though the rate and term are hard money, they are paying less than their previous home loan! I have set them up with…See More

It is never a fun adventure to sell your home, especially while you’re still living in it. And in today’s market, where multiple offers are not the norm they once were, it is even more important to observe some basic rules.Keep your home pristine! Not just “picked up”, but sparkly clean. It should look like a model home where no one lives. I know this is well-nigh…See More

With so much going on during the holidays, why would any sane person consider refinancing? Well, it might make more sense than it appears at first glance.One of the main reasons might be to pull out cash for end-of-year expenses, or to free up your cash-flow and get yourself on a better financial footing for the next year. In 2017 the average American household carried $15,675 in credit…See More

“[The Sun Pacific Team] pulled through last minute for us to get the loan we needed to save our house! From start to finish they made everything smooth and instructions were always clear and answered quickly. We are so grateful to have found them to help us during an otherwise stressful time. Highly recommend!!” – C.L.Fast Approval When Turned Down ElsewhereLocal…See More

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Sun Pacific Mortgage & Real Estate was started by myself, Forest and my wife, Lynn Tardibuono, in January 1988, here in Sonoma County, CA.

We have always specialized in borrowers who were “turned down elsewhere”. When we first started it was a difficult time to qualify for a loan and the same can be said for now too.

We specialize in 2 areas of today’s market: We do hard money loans, starting at $50,000 but specialize in $250-$600,000. Private Money or Hard Money loans are mortgages done by individuals. They make loans to borrowers who have equity in real estate (land or house). Instead of getting a mortgage from the bank you get a mortgage from an individual who lives locally. If you have ever been turned down by the bank, call us, we might be able to do that loan.

Our criteria is just 2: #1. 30% down payment to purchase or 30% equity in some real estate. The qualifications are not as strict as the bank.

So call us and we can tell you if you qualify to refinance or buy with a private money loan!

The other area we specialize in is selling remodeled homes. Most people want a house that is finished, painted, clean and modern – a “turn key” property. That’s what we sell.

Forest Tardibuono's Blog

“I was referred this loan from a colleague in my office. These people sold their home and were living in a hotel. They depended on me to get this done and because I knew you could and would do it, they now have a way to close escrow on their new home!

Even though the rate and term are hard money, they are paying less than their previous…

It is never a fun adventure to sell your home, especially while you’re still living in it. And in today’s market, where multiple offers are not the norm they once were, it is even more important to observe some basic rules.